Latest news with #individuals
Daily Mail
a day ago
- Entertainment
- Daily Mail
An older man offered to pay my student debt. I thought it would be just sex... After he died in my 40s, I learned the truth about our 'harmless' arrangement
I didn't go out looking for a sugar daddy. I wasn't scrolling sites or sliding into DMs. Honestly, I didn't even think people like me did things like that.
Daily Mail
3 days ago
- Business
- Daily Mail
What does a comfortable retirement cost? New figures reveal how much YOU need
The cost of a comfortable retirement has tipped over £60,000 a year for a couple, according to benchmark pension industry figures released today. A couple aiming for a 'moderate' lifestyle, which includes enjoying meals out and trips abroad, will now find it costs them £43,900 annually. The moderate lifestyle is the Pension and Lifetime Savings Association's middle of the road retirement, covering the essentials plus some splashing out on food and entertainment, and running a car. But the annual sum needed soars to £60,600 for a couple aspiring to a 'comfortable' retirement, with more holidays, theatre trips and higher motoring costs. Individuals will need to save even harder than couples, as the moderate retirement level would cost them £31,700 and the comfortable level £43,900. Lower energy prices have dampened the annual rise in what it costs to retire, comfortably or otherwise, according to the influential industry study of living standards. The income needed to fund a moderate or a more luxurious lifestyle has increased only modestly, by a few percentage points since the last survey by the Pensions and Lifetime Savings Association. Cuts in household energy bills have also led to a welcome drop in how much it takes to fund a basic retirement, which covers necessities plus some eating out and leisure activities, but no car. The cost of a minimum lifestyle has fallen 4 per cent for a couple to £21,600 and 7 per cent for an individual to £13,400. That means a couple could manage on two full state pensions - now £12,000 per person a year. But a single person will need some private pension savings to get by, as will anyone who aspires to more than a basic standard of living in old age. The PLSA's headline income figures also leave out some very important items which you will have to factor in - income tax, housing costs if you are still paying a mortgage or rent, and potentially care costs in later life. >How much do you need to save up for the retirement YOU want? Find out below What the retirement living standards mean and what you need to know The PLSA's Retirement Living Standards report indicates what annual incomes people need for a minimum, moderate or comfortable retirement. These are based on different baskets of goods and services like food and drink, transport, holidays, clothes and social outings. The report is very useful in making people think about what kind of life they want to lead after they stop work, how much it is likely to cost and whether their current pension savings are anywhere near on track. However, an important thing to bear in mind is that people's lifestyles change as they age. You might want to aim for a comfortable income in the early more active stage. but only need a more basic income later in retirement. Also, an individual needs to save up more because they will only have one state pension to rely on in old age, and couples also have greater combined purchasing power. What do you need to save for a comfortable retirement? The retirement living standards study shows costs now and the potential pension pot you need to meet them. But if you are planning ahead, you need to consider the cost in the future and how much your pension will be then. The PLSA has used annuity rates to estimate how much you need to save for the different income levels. It has given a range to account for fluctuations in interest rates that determine price, and the different products you might buy - joint life for a couple, single life, good and poor health, for example. What does a couple need to save for retirement? What does an individual need to save ? Although annuity rates have recovered in recent years, many people now invest their pension and live on the income in retirement. If you invest successfully, your pot can potentially keep growing to keep covering your needs, although there is a risk of running out if financial markets fall or you spend beyond your means. People also often use property - via buy to let or equity release - savings and investing Isas and other investments and assets to fund retirement. > How to invest your pension and live off it in retirement: A 12-step starters' guide Affluent lifestyle: A couple needs £60,600 between them for a budget that covers luxury holidays, theatre trips and higher motoring costs The retirement living standards study was compiled by the Centre for Research in Social Policy at Loughborough University on behalf of the PLSA. The research is based on in-depth discussions with members of the public from across the country on what they expect and hope their retirement to look like - it therefore undergoes some adjustments from year to year. This year there were some small changes in what people said they needed for minimum living costs, clothing, hairdressing, technology purchases, taxi use, and charitable giving. Expectations of annual rail fares also jumped from £100 to £180 per person. The PLSA notes that across all retirement living standards, weekly domestic fuel budgets have fallen by more than a quarter since its 2023/24 study. It adds: 'This year also sees a change in how living arrangements are described. 'The terms 'one-person' and 'two-person' households have replaced 'single' and 'couple' to recognise that not everyone in retirement lives with a romantic partner – but many do share their housing and multiple living costs with someone.'
Yahoo
4 days ago
- Business
- Yahoo
Gauzy Ltd.'s (NASDAQ:GAUZ) top owners are individual investors with 39% stake, while 22% is held by institutions
Gauzy's significant individual investors ownership suggests that the key decisions are influenced by shareholders from the larger public The top 9 shareholders own 52% of the company 22% of Gauzy is held by Institutions AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early. If you want to know who really controls Gauzy Ltd. (NASDAQ:GAUZ), then you'll have to look at the makeup of its share registry. We can see that individual investors own the lion's share in the company with 39% ownership. In other words, the group stands to gain the most (or lose the most) from their investment into the company. And institutions on the other hand have a 22% ownership in the company. Institutions will often hold stock in bigger companies, and we expect to see insiders owning a noticeable percentage of the smaller ones. Let's delve deeper into each type of owner of Gauzy, beginning with the chart below. Check out our latest analysis for Gauzy Institutions typically measure themselves against a benchmark when reporting to their own investors, so they often become more enthusiastic about a stock once it's included in a major index. We would expect most companies to have some institutions on the register, especially if they are growing. As you can see, institutional investors have a fair amount of stake in Gauzy. This implies the analysts working for those institutions have looked at the stock and they like it. But just like anyone else, they could be wrong. When multiple institutions own a stock, there's always a risk that they are in a 'crowded trade'. When such a trade goes wrong, multiple parties may compete to sell stock fast. This risk is higher in a company without a history of growth. You can see Gauzy's historic earnings and revenue below, but keep in mind there's always more to the story. It would appear that 15% of Gauzy shares are controlled by hedge funds. That's interesting, because hedge funds can be quite active and activist. Many look for medium term catalysts that will drive the share price higher. Ibex Investors LLC is currently the company's largest shareholder with 15% of shares outstanding. With 6.8% and 6.6% of the shares outstanding respectively, Olive Tree V Limited Partnership and Infinity Holding Ventures PTE. Limited are the second and third largest shareholders. Furthermore, CEO Eyal Peso is the owner of 2.0% of the company's shares. On further inspection, we found that more than half the company's shares are owned by the top 9 shareholders, suggesting that the interests of the larger shareholders are balanced out to an extent by the smaller ones. While studying institutional ownership for a company can add value to your research, it is also a good practice to research analyst recommendations to get a deeper understand of a stock's expected performance. There is some analyst coverage of the stock, but it could still become more well known, with time. The definition of an insider can differ slightly between different countries, but members of the board of directors always count. Management ultimately answers to the board. However, it is not uncommon for managers to be executive board members, especially if they are a founder or the CEO. Most consider insider ownership a positive because it can indicate the board is well aligned with other shareholders. However, on some occasions too much power is concentrated within this group. We can see that insiders own shares in Gauzy Ltd.. As individuals, the insiders collectively own US$3.9m worth of the US$154m company. This shows at least some alignment, but we usually like to see larger insider holdings. You can click here to see if those insiders have been buying or selling. The general public, who are usually individual investors, hold a 39% stake in Gauzy. This size of ownership, while considerable, may not be enough to change company policy if the decision is not in sync with other large shareholders. It seems that Private Companies own 17%, of the Gauzy stock. It's hard to draw any conclusions from this fact alone, so its worth looking into who owns those private companies. Sometimes insiders or other related parties have an interest in shares in a public company through a separate private company. We can see that public companies hold 4.2% of the Gauzy shares on issue. It's hard to say for sure but this suggests they have entwined business interests. This might be a strategic stake, so it's worth watching this space for changes in ownership. While it is well worth considering the different groups that own a company, there are other factors that are even more important. To that end, you should learn about the 3 warning signs we've spotted with Gauzy (including 1 which doesn't sit too well with us) . Ultimately the future is most important. You can access this free report on analyst forecasts for the company. NB: Figures in this article are calculated using data from the last twelve months, which refer to the 12-month period ending on the last date of the month the financial statement is dated. This may not be consistent with full year annual report figures. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Khaleej Times
7 days ago
- Politics
- Khaleej Times
UAE: Legal action taken against 7 for social media rumours, fake posts in Ras Al Khaimah
A total of seven individuals have been referred to the Public Prosecution since the beginning of 2025 for social media misinformation, authorities in Ras Al Khaimah said. Legal action was taken against the individuals who published visual and written content containing footage of inappropriate practices, some of which were inaccurate.
Yahoo
26-05-2025
- Business
- Yahoo
Schedule E: How to use this tax form to report rental income and losses
If you own rental property, you'll need to file a Schedule E tax form with the IRS to report rental income income or losses. Schedule E is filed along with your Form 1040 individual income tax return. While having rental income and losses is a common reason for filing a Schedule E — and what we'll focus on here — you'll also need to complete this form for other sources of supplemental income, including from royalties, partnerships, S corporations, estates, trusts and residual interests in real estate mortgage investment conduits (REMICs). Schedule E is a tax form that individual taxpayers must file to the IRS along with their Form 1040. Taxpayers need to complete a Schedule E to report supplemental income and losses, including from rental real estate and other sources. Schedule E is one of several different types of tax forms that taxpayers may need to complete to calculate different types of income, credits and deductions. Schedules provide additional information beyond what's included on Form 1040. Learn more: Current tax brackets and federal income tax rates Taxpayers who own rental real estate must file Schedule E to report any income or loss generated from their property. On this tax form, you'll detail all of the income and expenses for each of your rental properties. But Schedule E is only applicable to individual taxpayers, not people who are in the business of renting property (those taxpayers must instead file Schedule C — more on this below). While rental real estate is a common reason why taxpayers have to file Schedule E, there are other income situations also captured on this form: royalties, partnerships, S corporations, estates, trusts and residual interests in REMICs. If you file your taxes electronically with tax preparation software, you'll be prompted to fill out Schedule E based on your answers to questions about sources of income. However, if you still file taxes by paper, there isn't a specific prompt related to Schedule E on Form 1040. The closest mention of Schedule E on the 1040 is line 8, which instructs taxpayers to enter 'additional income' from Schedule 1. Schedule 1 is where income from Schedule E is entered, as well as income from other forms and schedules, and then that income flows to line 8 of the 1040. Whether you need to file Schedule E or Schedule C depends on whether you're renting out property as a business or as a supplementary source of income. When to file Schedule E: If you're renting out part of your home or other property that you own, and it's a passive source of income, then you should file Schedule E. When to file Schedule C: If you rent out property as a business, such as short-term vacation rentals, then you should file Schedule C if you're actively involved in providing services to tenants. For more information, check out the IRS instructions regarding rental income and expenses. Need an advisor? Need expert guidance when it comes to managing your investments? Bankrate's AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals. Schedule E is a two-page form that is split into five parts, including sections applicable to four specific sources of income and a summary section. You only need to complete the parts relevant to your income situation. If you own rental real estate, you will need a variety of details about your rental property handy, including information about your various expenses. This is the applicable section for taxpayers who have rental real estate, though it also covers income or loss from royalties. To complete this section, you will need to provide several basic details about the property, including: The physical address of each applicable property The type of property The number of rental days and days used for personal use Income, and specifically rents received Expenses, including insurance, management fees, utilities, taxes, and more If you are completing this section for income or losses related to royalties, you will need to provide information about royalties received and any applicable expenses. To complete Part I, you will sum the total income or loss from rental real estate and royalties and, if no other parts of Schedule E are applicable to you, you can enter this total on line 5 of Schedule 1. This section needs to be completed by taxpayers who are a member of a business partnership or a shareholder of an S corporation. You will need several basic details to complete Part II of Schedule E, including: The name of the entity The employer identification number (EIN) of the partnership or S corporation A breakdown of whether the relevant income and loss was passive or non-passive, which refers to whether you materially participated in the business To complete Part II, you'll need to refer to Schedule K-1, the form you receive from organizations in which you have a financial interest. If you have a passive loss, you will also need to complete Form 8582, and if you have a Section 179 deduction, you will need to complete Form 4562. You need to complete Part III if you're a beneficiary of a trust or an estate and have an income or loss to report. To complete Part II, you will need the following information: The name of the estate or trust The EIN A breakdown of whether the relevant income or loss was passive or nonpassive As with Part II, you will need to refer to the Schedule K-1 that you received, if applicable, and will need to complete Form 8582 if you have a passive loss. You will need to complete Schedule E's Part IV if you're an investor in a real estate mortgage investment conduit, or REMIC, which is a structure for pooling mortgages. To complete this information, you will need to refer to the Schedules Q that you received from the REMIC, along with: The name of the REMIC The EIN Information from Schedules Q, including excess inclusion, taxable income or net loss, and income If you completed more than one section on Schedule E, then in Part V you will total the income or loss from these various sources. You then enter that total on line 5 of Schedule 1. See this IRS page for more details on how to fill out Schedule E. 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